.  BENJAMIN CHARCHIAN & ASSOCIATES
DONT LET YOUR INSURANCE COMPANY TAKE ADVANTAGE OF YOU

When you purchase an insurance policy from an insurance company what you are doing is entering onto a pact
with that company.  For your premium payments, the insurance company agrees to defend you in court and to
cover your liability up to the policy limits that you purchased.  When the insurance company does not honor its
commitments under these its agreement, it is said to be acting in bad faith.

Insurance company bad faith has many forms.  Our office deals mainly with the following:

■  Denial of Health Insurance Claims
■  Denial of Homeowners Insurance claims
■  Excess Verdict

Denial of health and homeowners insurance claims usually occur when a the policyholder makes a claim against
his or her insurance company for some sort of coverage.  At this time, instead of honoring its obligations to make
payment, the insurance company refuses to pay and denies coverage.  This exposes the policy holder to large
financial losses, including having to hire lawyers and defend a lawsuit.  If you are a victim of Insurance bad faith
based on denial of coverage, give us a call for a free consultation.  We know what it takes to fight the insurance
companies and get you compensation.

Excess verdict refers to the situation where the insurance could have settled a case against you for your policy
limit, chose not to do it and went to court, at court a verdict was reached above your policy limit exposing you to
personal liability.  A good example of this is where you are in a car accident and have $100,000 liability coverage.  
The person suing you is willing to settle the case for that amount but your insurance company refuses to pay.  The
case goes to trial and the person suing is awarded 1 million dollars.  In this case, your insurance company will pay
$100,000 and you will personally be on the line for $900,000.  

If you have been exposed to excess liability bad faith, give us a call for a free consultation.  We can help protect
your rights against the massive insurance companies.
The Law Offices of Benjamin Charchian & Associates is a law firm representing clients throughout all of California, including Los Angeles, Burbank, Beverly Hills, City of Industry,
Claremont, Covina, Culver City, Gardena, Glendale, Glendora, Hawthorne, Hermosa Beach, Manhattan Beach, Marina Del Rey, Monterey Park, Hollywood, North Hollywood, Pacoima,
Chattsworth, Northridge, Pacific Palisades, Pasadena, Reseda, San Dimas, Santa Clarita, Santa Monica, Sherman Oaks, Torrance, Universal City, Van Nuys, Whittier, Woodland Hills,
Long Beach, Bakersfield, Fresno, Modesto, Oakland, Orange County, Riverside, San Bernardino, Sacramento, San Diego, San Francisco, San Jose, Santa Barbara, Ventura, Tujunga,
Toluca Lake, La Canada, La Crescenta, Montrose, Studio City, Encino, West Los Angeles, Riverside, and Redding
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©2009 BENJAMIN CHARCHIAN & ASSOCIATES
This website may be classified as Attorney Advertising in many states.  Use of this website does not create an attorney-client relationship.
We may refer your case to another attorney or associate with outside counsel if we feel it will be beneficial to your case.  

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